TX lenders / Community Bank
First National Bank of Central Texas
Community Bank · Waco, TX · 2013 Monte Hulse Family Irrevocable Tr I
- Total assets
- $1.7B
- CRE loan book
- $629.2M
- QoQ CRE growth
- 1.2%
- Q1 2026
Recorded CRE activity — co-arapahoe County
17 commercial deeds of trust recorded recently, verified from county records.
- Aug 14, 2026 · unknownundisclosed
- Jul 23, 2026 · unknownundisclosed
- Jul 14, 2026 · landundisclosed
- Jul 13, 2026 · unknownundisclosed
- Jul 13, 2026 · officeundisclosed
- Jul 13, 2026 · landundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 6, 2026 · landundisclosed
- Jul 6, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.12% as of Q1 2026 — TX bank median 4.87% (1.25pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.12% | 6.23% |
| Q4 2025 | 6.27% | 6.33% |
| Q3 2025 | 6.34% | 6.49% |
| Q2 2025 | 6.22% | 6.35% |
| Q1 2025 | 6.03% | 6.14% |
| Q4 2024 | 6.15% | 6.32% |
| Q3 2024 | 6.08% | 6.31% |
| Q2 2024 | 6.01% | 6.29% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $629.2M | $142.8M | $38.3M | 215% | $0 |
| Q4 2025 | $621.5M | $142.3M | $35.7M | 217% | $0 |
| Q3 2025 | $585.7M | $138.4M | $23.3M | 202% | $460,000 |
| Q2 2025 | $588.9M | $126.3M | $28.7M | 208% | $460,000 |
| Q1 2025 | $589.4M | $129.1M | $24.1M | 208% | $460,000 |
| Q4 2024 | $574.1M | $133.6M | $23.4M | 204% | $460,000 |
| Q3 2024 | $587.7M | $147.9M | $33.7M | 224% | $0 |
| Q2 2024 | $591.3M | $159.0M | $34.0M | 232% | $0 |
First National Bank of Central Texas: frequently asked questions
- How large is First National Bank of Central Texas's commercial real estate loan book?
- As of Q1 2026, First National Bank of Central Texas reported $629.2M in commercial real estate loans out of $1.7B in total assets, per its FFIEC Call Report.
- Is First National Bank of Central Texas above the 300% CRE concentration guideline?
- First National Bank of Central Texas's CRE loans stood at 215% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is First National Bank of Central Texas growing or shrinking its CRE lending?
- First National Bank of Central Texas's CRE loan book grew 1.2% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is First National Bank of Central Texas in recorded CRE lending?
- 17 commercial deeds of trust naming First National Bank of Central Texas as lender have been recorded recently in co-arapahoe County, verified from county records; the most recent was recorded Aug 14, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- United Bank of MichiganCommunity Bank · Grand Rapids · $621.1M CRE book
- Blue Sky BankCommunity Bank · Pawhuska · $618.9M CRE book
- First Citizens BankCommunity Bank · Mason City · $616.5M CRE book
- Cornerstone Capital Bank, SSBCommunity Bank · Houston · $612.8M CRE book
- Farmers State BankCommunity Bank · Waterloo · $608.1M CRE book
See all alternatives to First National Bank of Central Texas →
Markets where First National Bank of Central Texas lends
First National Bank of Central Texas has commercial deeds of trust recorded in these metros. See who else is active there and current rate ranges by property type.
Houston
Houston (Harris County)
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Aug 14, 2026 · Sources: FFIEC CDR, county records, first-party conversations.